Urbana, IL vs Belleville, IL: Cost of Living

Which city costs less?

Belleville, IL has a modeled overall cost index 2.6% lower than Urbana, IL.

Urbana, IL · modeled 2BR rent
$1,090 / month
Belleville, IL · modeled 2BR rent
$1,180 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Urbana, IL and Belleville, IL using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated savings: $186/month in Belleville, IL

$150,000 in your current city has a modeled equivalent of $147,774 in Belleville, IL

Regional cost estimates: Urbana, IL uses Indianapolis, IN. Belleville, IL uses St. Louis, MO. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 2.6%
Less expensive
Monthly Impact
$186
Savings
Annual Impact
$2.2K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Urbana, IL

Population:38K
Cost Index:
85.4
100 = national average
Typical Home:$182K

Belleville, IL

Population:41K
Cost Index:
83.2
100 = national average
Typical Home:$174K

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Urbana, IL

The Prairie State

38K
Population
State Tax
Yes

Located in Illinois, this city has a population of 38K residents.

Belleville, IL

The Prairie State

41K
Population
State Tax
Yes

Located in Illinois, this city has a population of 41K residents.

Cost Breakdown by Category

Estimated monthly spending: Urbana, IL vs Belleville, IL

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↓ 6.5%
Urbana, IL
$2,007
Belleville, IL
$1,877
Difference
$130
less
Healthcare
↓ 10.8%
Urbana, IL
$672
Belleville, IL
$600
Difference
$72.30
less
All Utilities
↑ 5.1%
Urbana, IL
$580
Belleville, IL
$610
Difference
$29.80
more
Other
↓ 1.6%
Urbana, IL
$1,819
Belleville, IL
$1,791
Difference
$28.45
less
Groceries
↑ 1.9%
Urbana, IL
$1,061
Belleville, IL
$1,082
Difference
$20.33
more
Transportation
↓ 0.3%
Urbana, IL
$1,360
Belleville, IL
$1,355
Difference
$4.75
less

🏠Rent Comparison

Studio
From$910
To$930
↑ $20.00
1 Bed
From$920
To$960
↑ $40.00
2 Bed
From$1,090
To$1,180
↑ $90.00
3 Bed
From$1,400
To$1,520
↑ $120
Urbana, ILZIP-level data

1BR range: $920–$920/mo

Belleville, ILZIP-level data

1BR range: $880–$1,000/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Urbana, IL
$7,314
Monthly in Belleville, IL
$186
Difference

Home Values

Urbana
Belleville
$182K
Median Value
$174K
↑ +4.2%
YoY Change
↑ +4.1%
↑ +37%
5-Year Change
↑ +32.3%
$182K
Price Range
$146K - $241K

Homes in Belleville are 4% less expensive than Urbana

Calculate payment - UrbanaCalculate payment - Belleville

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
→ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Urbana, IL

Federal Income Tax
Effective: 18.9%
$25.5K
Illinois State Tax
Effective: 5.0%
$7.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.4K
Take-Home Pay
$8,797/month
$105.6K

Belleville, IL

Federal Income Tax
Effective: 18.9%
$25.5K
Illinois State Tax
Effective: 5.0%
$7.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.4K
Take-Home Pay
$8,797/month
$105.6K

Additional Tax Information

Urbana, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

Belleville, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Urbana
Belleville
54 Moderate
Air Quality
54 Moderate
36.6%
Good Air Days
38%
97 High
Climate Risk
99 High
🌊🌡🌪
Top Hazards
🌊🌡🫨
▲+3.1°F
2050 Outlook
▲+3.0°F
18 days
Heat Days >95°F
39 days
▲+3.1°F
2050 Outlook
▲+3.0°F
18 days
Heat Days >95°F
39 days

Before moving from Urbana, IL to Belleville, IL

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Belleville, IL for the same bedroom count and included utilities as your home in Urbana, IL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Urbana to Belleville moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Belleville, IL by cost, housing, population and region.

Frequently Asked Questions: Urbana, IL vs Belleville, IL

How do the cost estimates for Urbana, IL and Belleville, IL compare?

Belleville, IL has a modeled overall cost index 2.6% lower than Urbana, IL. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Urbana, IL, the model estimates $147,774 in Belleville, IL. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Urbana, IL and Belleville, IL?

The modeled two-bedroom rents are $1,090/month in Urbana, IL and $1,180/month in Belleville, IL. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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